Farmers State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 154.35 percentage points higher than in Q1 2026, at 1604.35%. On return on assets, Farmers State Bank ranks 14th highest among the 225 banks headquartered in Iowa, at 2.29% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Farmers State Bank reported 2.29% on return on assets in Q2 2026, 1.30 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.03% |
| Equity capital to assets | 11.07% |
| Tangible equity to tangible assets | 11.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.27% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 1604.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.29% |
| Return on equity | 21.82% |
| Net interest margin | 4.05% |
| Efficiency ratio | 40.40% |
| Yield on earning assets | 5.69% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.21% |
| Core deposits to total deposits | 84.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.38% |
| Securities to assets | 38.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.20% | 0.95% | 2.64% | 0.00% | 0.00% |
| Q4 2023 | 11.62% | 0.93% | 2.73% | 0.00% | 0.00% |
| Q1 2024 | 11.37% | 1.21% | 2.93% | 0.00% | 0.00% |
| Q2 2024 | 11.46% | 1.42% | 3.08% | 0.00% | 0.00% |
| Q3 2024 | 11.33% | 1.30% | 3.23% | 0.00% | 0.00% |
| Q4 2024 | 11.20% | 1.38% | 3.16% | 0.02% | 0.00% |
| Q1 2025 | 10.47% | 1.24% | 2.94% | 0.34% | 0.01% |
| Q2 2025 | 11.01% | 1.28% | 3.21% | 0.00% | 0.00% |
| Q3 2025 | 11.44% | 1.08% | 3.57% | 0.00% | 0.00% |
| Q4 2025 | 11.52% | 1.82% | 3.87% | 0.05% | 0.00% |
| Q1 2026 | 11.33% | 1.82% | 3.79% | 0.07% | 0.00% |
| Q2 2026 | 12.03% | 2.29% | 4.05% | 0.06% | 0.00% |
Farmers State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9106) · FFIEC NIC profile (RSSD 507349)